Benefits

The following summary identifies the key elements of your benefit package. This document is intended only as a summary of those benefits. The full information must be obtained from the certificates of insurance, and other appropriate documents.

All eligible employees will receive at no cost the following benefits:

  • Long term disability benefits
  • Short term disability benefits
  • $50,000 term life insurance for employees under 65; upon the age of 65, $32,500; and at age 70, $25,000
  • Accidental death and dismemberment insurance equaling up to the term life coverage for employees (does not include the voluntary term life insurance that the employee may elect to purchase)
  • Emergency Travel Assistance provides emergency medical and personal assistance when you or any eligible member of your family becomes ill or injured while traveling just 100 miles or more away from home for business or pleasure, domestically or abroad
  • Annual vision screening benefit for employees and their families with a co-pay of $10 per exam.

The following optional benefits are available for eligible employees and their families at low group rates:

  • Additional term life insurance for employees, their spouses and children
  • Comprehensive major medical insurance that pays 90% in-network or 70% out-of network of covered charges after your deductible has been met. Our deductibles and out-of-pocket expenses are non-combined. Meaning if you use both in-network and out-of-network providers you will satisfy two separate deductibles and out-of-pocket expenses. If you use only in-network or only out-of-network providers you will satisfy one deductible and one out-of-pocket expense. For in-network providers, your annual deductible is $250 for single/$500 for family with an annual maximum out-of-pocket expense of $750 for single/$1500 for family. For out-of-network providers, your annual deductible is $1000 for single/$2000 for family with an annual maximum out-of-pocket expense of $2500 for single/$5000 for family.
  • Employee dental plan designed to promote regular professional care. Pays 100% for checkups and cleanings. Pays 80% for basic care after a $25 deductible per person, and pays 50% per year for major care after a $25 deductible per person each calendar year. The annual maximum dental benefit is $1,500 per individual.
  • Orthodontic (braces) benefits for your covered dependent children under the age of 19. Cost of braces reimbursed at 50% up to a lifetime maximum of $1000 per child. You and your dependents must be covered under our dental plan for 24 months before orthodontic benefits are available.
  • Prescription drug benefits ($10 generic, $20 name brand copay).
  • TRICARE/CHAMPUS Supplement Insurance which covers 100% of your TRICARE/CHAMPUS deductible, the 25% cost share for outpatient and hospital services and 100% of eligible expenses over the TRICARE/CHAMPUS allowable amount.
  • Additional Vision Coverage may be purchased for frames and lenses. When you purchase this benefit you may receive new lenses annually for just $25 and new frames every two years for $25.

401(k) Plan with employer matching. Employer matches 50% of employee contribution to a maximum of 3% (50% of employee's 6%).

Company paid credit cards for eligible travelers.

Educational reimbursement for 100% of educational expenses (tuition, books, and lab fees for the grade of C or better) to a maximum reimbursement of $5,250 per year through calendar year 2010. This applies to both undergraduate- and graduate-level courses.

Salary differential is paid for up to five days of jury duty.

Salary differential is paid for up to ten days active duty military training annually.

Ten days vacation per year. Fifteen days for employees with over five years of service. (Amounts may vary for SCA employees.)

Five days paid sick leave per year.

Ten paid holidays per year.